Broward County Homebuyer Purchase Assistance (HPA): Amounts by City

• What it is: Homebuyer Purchase Assistance (HPA) is Broward County’s help for buyers who will live in the home they buy. It is a county loan, not a grant: no interest, no monthly payments, and it can cover part of your down payment, your closing costs, a principal reduction on your mortgage, or a rate buydown.
• How much: it depends on the city where you buy. The maximum runs from $40,000 to $120,000 depending on the locality, and a maximum is not available money: the table below shows, city by city, where the county list says “no funds.”
• Who: buyers who have not owned a home in the past 3 years, whose household earns below their locality’s limit, who can get a 30-year fixed-rate mortgage, and who buy an eligible home to live in. The maximum purchase price has two official figures ($636,806 and $679,324); below we explain which one to use.
• How you apply: you do not apply on a website yourself. You work with a lender (the bank or mortgage company giving you the loan): it pre-approves you and reserves the funds with the county.

HPA is the second piece of your purchase, behind your main mortgage. The county lends you part of the money you are short at closing, and that loan is recorded as a second mortgage on the home, behind the bank’s.

• The amount is set by locality, not by county. Each city or area the county serves has its own maximum. That is why you will see different numbers for “Broward” online: they mix localities, different programs, and flyers from other years. The figure that applies to you is the one for your locality in the current list.
• A maximum is not the same as funding. The list prints each locality’s maximum even when that locality has no money today. A row can say “up to $80,000” and, on the same line, “no funds.” Both halves of the row matter.
• It is a loan with conditions, not free money. You get it to buy the home and live in it. “Do you have to repay it?” below explains what happens if you sell, transfer, or stop living there early.

Per the county flyer, the assistance can be used for closing costs, down payment, principal reduction, or an interest rate buydown, and funds go out first-come, first-qualified, first-served, when available.

This table comes from the by-locality list in the official HPA flyer linked from the county’s housing page, the same list our assistance tracker uses, read on October 20, 2026. There are 26 localities or areas, not 26 cities: one row is the part of the county that belongs to no city.

Income limit: 80% of the county’s area median income (AMI) in every locality, except Hollywood, which allows 120%. The dollar figures are further down.

How to read this table:

• Weston and its “up to $120,000”: it is the highest maximum on the flyer and the number most repeated online. In the list read on October 20, 2026, Weston shows “no funds”. A maximum on paper is not available money.
• The flyer’s own headline says “up to $120,000” because it takes the largest maximum in the table. The same list, row by row, is what shows where there is funding and where there is not. That is why this page does not lead with a single number.
• Statuses change between versions. In the late-August 2026 version of the flyer, Pembroke Pines showed up to $75,000 with no mark; on October 2 the county added “limited funds.” A status without a date is old data, which is why the table carries the date we read it.
• “Funding” is not a “balance.” A locality not being marked “no funds” does not tell you how much is left or hold a spot for you. Only your lender, checking with the county, can confirm that.
• If your city is not in the table — Fort Lauderdale, Tamarac, Miramar, Pompano Beach, Deerfield Beach, or Lauderhill, for example — county HPA is not listed for it, but that does not mean there is no help to buy there: those cities run their own programs. See “HPA and other Broward programs” below; Tamarac has its own guide.
• Watch the mailing city: a home’s postal address does not always match the city it is actually in. A home with a Fort Lauderdale address can sit in an area that belongs to no city, and then that row applies. To check, look the property up on bcpa.net, the county property appraiser’s site, and confirm with your lender before counting on an amount.

This is what the flyer and the county’s lender guidelines (March 2026 revision, the version the county links today) require:

• No home ownership in the past 3 years. Owning only vacant land does not count. The guidelines allow exceptions for applicants displaced by domestic violence or after a divorce, with supporting documents.
• Household income below your locality’s limit (income table below). The county reviews and certifies your income, your assets, and your household size; it is not a number you simply state.
• Savings: with $100,000 or more in liquid assets (retirement accounts excluded) you are not eligible, and you may not keep more than $50,000 after closing.
• A 30-year fixed-rate first mortgage that meets county guidelines. No first mortgage, no HPA: the assistance sits behind it. The county caps the interest rate a lender can charge and does not accept adjustable-rate, interest-only, or balloon loans.
• Affordability: your monthly housing payment must be between 25% and 38% of your household’s gross income, and all your debts together, housing included, may not exceed 45% (slightly more on some government-backed loans).
• Your contribution: at least 3% of the price from non-borrowed funds, of which at least 1% must be your own; the rest can come from a family gift, the seller, the lender, or another program. VA loans may differ. Pembroke Pines is stricter (see below).
• If you are not a U.S. citizen: under the current guidelines, permanent residents (green card holders) and people granted asylum whose permanent residence has been approved (card pending) are eligible, if they have 3 years of employment, permanent U.S. residency, and established credit. Conditional green cards, pending asylum applications, and Temporary Protected Status (TPS) are not eligible at this time.
• An eligible home (below), used as your primary residence for the full term of the loan.
• A homebuyer education class from a South Florida HUD-approved agency. The certificate may be no older than 12 months at closing.

Meeting the income limit does not guarantee assistance. Your locality also has to have funding, your mortgage has to be approved, and your file has to pass the county’s review. The county’s guidelines note that other terms may apply and that terms can change without notice.

The limit is on your whole household’s gross annual income. The county counts the income of every adult in the household — including disability payments, Social Security, pensions, alimony, child support, and household financial support — and projects it over the next 12 months. That is why the limit grows with household size.

This is the table from the official HPA flyer, read on October 14, 2026. The flyer asks that your income be beneath the figure in your row: if your household earns exactly that amount, confirm with your lender before counting on the assistance.

Example: if 4 people live in your household and you are buying in an 80% locality — Davie or Plantation, say — your combined gross income must be below $101,400 a year. If you buy in Hollywood, the limit for the same 4 people is $152,160. Same family, same county, two different limits: one more reason to look at your row, not the headline.

• Eligible: single-family home, townhome, villa, condominium, and a manufactured home recorded as real property with its own property tax ID. In Pembroke Pines, the 2026 agreement does not list manufactured homes (see below).
• Not eligible: mobile homes and cooperatives.
• Condition: a comprehensive home inspection by a licensed inspector is required for new and existing homes (roof, termites, electrical, plumbing, water heater, heating and cooling, refrigerator, stove, and septic tank if any). Homes built before 1978 also need a lead-based paint inspection.
• Location: the home must be in one of the localities or areas in the table. Being “in Broward” is not enough.
• Use: it must be your primary residence. Second homes and investment properties do not qualify.

Maximum purchase price: there are two official figures.

• The HPA flyer, the AHTF flyer, and the county’s web page say $679,324. That is the price cap Florida Housing published for Broward in 2025, its most recent one.
• The county’s lender guidelines (March 2026 revision) still say $636,806, which was the state’s Broward cap in 2024.
• What to do: if the home costs $636,806 or less, both figures cover you. If it costs between $636,806 and $679,324, ask your lender to confirm in writing with the county which cap applies before you sign a contract.
• Weston has its own rule: the guidelines say the price there depends on the funding source.
• Pembroke Pines may have a lower cap, because its money is federal (see below).
• The price also may not exceed the appraised value.

HPA money in Pembroke Pines is federal (the HOME program). On September 16, 2026, the city approved its 2026-2027 agreement with the county: $302,628 to assist at least two households, with up to $75,000 each. The county administers it, so your lender requests it the same way as anywhere else. An approved allocation does not guarantee there is money left for you.

The agreement adds its own rules:

• Eligible homes: single-family, condominium, townhouse, or villa. Manufactured homes are not listed.
• Your contribution: at least 3% of the price from your own funds (not the 1% that applies elsewhere in the county).
• Non-occupying co-borrowers are not allowed.
• The homebuyer class must be an 8-hour workshop, and you need the certificate before you apply for the loan.
• The term depends on how much you receive: 15 years for $40,000 or more, 10 years for less. There is no annual write-down: if you live in the home for the full term, the whole amount is forgiven at the end. If you sell, transfer, rent it out, or stop living there earlier, you repay what you owe.
• Refinancing is allowed only to change the rate or term, with no cash out; any other refinance triggers repayment.
• Price cap: because the money is federal, federal rules set their own cap, which may be lower than the flyer’s $679,324. Neither the agreement nor the flyer states the number: ask your lender before you start shopping.

Separately, the City of Pembroke Pines runs its own first-time buyer program, with its own application through Community Redevelopment Associates of Florida (CRA Florida). It is not the same application as county HPA. Whether the two can be combined is covered below.

This is the part that confuses people most, so here it is plainly: Broward County has no online form for you to apply for HPA yourself. Its housing page says so directly: your lender applies on your behalf. The flyer lays it out in five steps:

1. 1Check your localityConfirm in the table whether the area where you want to buy shows funding, limited funds, or no funds. If it says “no funds,” there is no published money to reserve; your lender can check whether that has changed.
2. 2Check your incomeCompare your household’s income with the row of the income table for your household size and locality.
3. 3Check that the home qualifiesEligible property type and a price within the cap your lender confirms.
4. 4Check that you qualifyNo home ownership in the past 3 years, a workable 30-year mortgage, and a commitment to live there.
5. 5Talk to a lenderThis is the step that moves everything. The lender pre-approves you for the first mortgage. You take the homebuyer education class with a South Florida HUD-approved agency (the county posts a list of agencies); the certificate can be no more than 12 months old at closing. With your pre-approval and an eligible home, the lender reserves the funds with the county’s Housing and Urban Planning Division. The county certifies your income and the home goes through the comprehensive inspection. Funds go first-come, among files that qualify, while funding lasts.

About the lenders list: the county has an HPA participating lenders list dated March 1, 2026, linked from its housing trust fund page. It says those lenders recently closed an HPA purchase and that you may choose a lender not on the list, as long as the first mortgage meets county guidelines. Two traps: the flyer’s own “click here” link points to a 2022 list that no longer opens, and the list on the county’s general housing page is for the 2026 MCC program only (a different program). Ask your lender directly whether it works with county HPA and can reserve funds. If you have never talked to a lender, that is your real first step — not a form.

Program phone: Broward County Housing and Urban Planning Division, 954-357-4943 (the number on the flyer; the division’s main line is 954-357-4900).

HPA is not free money. It is a county loan secured by a second mortgage, with rules about living in the home, selling it, and transferring it.

• What the county’s current guidelines say (March 2026 revision): HPA is a 0% interest, 15-year, deferred-payment loan with no monthly payment. If the home is your primary residence for the full 15 years, the mortgage is satisfied. If the use changes, title transfers, or the home is sold during those 15 years, you repay it. It cannot be assumed by another buyer.
• Pembroke Pines has its own terms, above: 15 years for $40,000 or more, 10 years for less.
• Refinancing later has limits: the county must keep the same lien position, and cash-out is tightly restricted. Check before you sell, rent, transfer, or refinance.

What governs your case is the assistance note and mortgage you sign at closing. Ask your lender to explain in writing the term, when it is forgiven, and what would trigger repayment.

A “no funds” row does not erase the program, and it does not prove it will never have money again. It means something narrower: in the county’s current list, that locality has no published funding.

If the county announces new money, read it for what it is. The county list says new funding is expected in November 2026: that is the county’s expectation, not an opening date. When the county posts a new list, check the date on this page’s table.

What you can do now — exactly what a first-come process rewards:

• Talk to a lender and get your pre-approval under way.
• Take the homebuyer education class with a HUD-approved agency, keeping in mind the certificate expires after 12 months.
• Know your income limit and your price range.

That way, if your locality gets funding, your file does not start from zero.

Check the other doors too: your city may run its own program, the State of Florida has its own assistance (Florida Housing), and our down payment assistance page and assistance tracker show other programs with the date we checked each one.

More detail on the county housing trust fund page, its funding-by-district flyer, and the City of Pembroke Pines housing page.

Can programs be combined? The county’s guidelines say HPA may go in third position, behind a Florida Housing loan or a city CRA purchase assistance loan (without exceeding that loan’s amount), and that it cannot be used with an entitlement city’s purchase assistance funds. But the City of Pembroke Pines application (June 2026) anticipates buyers who receive both. The two official sources conflict: do not add two amounts together until your lender and each program’s administrator confirm it in writing. The county does encourage pairing HPA with the MCC.

This guide explains HPA. To compare other programs, see down payment assistance in Miami-Dade and Broward. For each program’s verified status and date, use the assistance tracker.

Important: this guide does not check the county’s reservations in real time. The statuses shown are the list’s on the date stated and may change before your lender submits your file. Umbralio does not apply for or reserve HPA funds; your lender and the county handle that.

• Broward County — housing and HPA page: “Your lender will apply on the client’s behalf; we don’t offer online applications for the HPA program.”
• Broward County — HPA flyer with the by-locality list: October 2, 2026 version (footer “Updated 8/26”). This page’s table comes from its latest reading.
• Broward County — HPA lender guidelines, March 2026 revision.
• Broward County — HPA participating lenders list, March 1, 2026.
• Broward County — HUD-approved homebuyer education agencies.
• Florida Housing — SHIP purchase price limits: Broward, $636,806 in 2024 and $679,324 in 2025.
• City of Pembroke Pines — Resolution 2026-R-21 and its 2026-2027 agreement with the county.
• Broward County — Affordable Housing Trust Fund and its funding-by-district flyer.
• City of Pembroke Pines — housing programs and its CRA Florida assistance.